Thrissur –DCB has actively participated in SHG-Bank Credit linkage program since its inception in 1992 as a pilot project by NABARD. Since then TDCB has made a steady progress in financing Self-Helf Group's.

TDCB is a leader among C-operative banks in financing SHG's. As at the end of 31.3.2015 TDCB has financed 799 SHG's to the tune of 17.35 crores.

For purchase and rearing of goats, feed, animal insurance, cultivation of green fodder, transportation of animal, construction of shed et. Also for rearing rabbits and construction / purchase of cages and shed

Purchase of electrical motor, submersible irrigation pumpset, energization of agricultural pumpset, pipelines including installation charges, installation of drip and sprinkler, fertilizer mixtures etc and any other modern irrigation units.

Quantum of loan

Quantum of the loan depends on the savings corpus of the group.
First loan to the group should not exceed 6 times of the corpus or the maximum loan amount of Rs. 5 lakhs which ever is less. For repeat loans the maximum amount would be Rs. 10 lakhs or 10 times of the corpus which ever is less.
Amount of loan would also be as per unit cost fixed by the government agencies for the place. Loan is project based and disbursed in stages.

The bank provides TERM LOAN for SHG's for meeting their entire credit requirements like income generation activities, social needs like housing, education, marriage, debt swapping etc.

Quantum of loan

Quantum of the loan depends on the savings corpus of the group. First loan to the group should not exceed 4 times of the corpus. Incase of repeat loans, higher need based loan amount is sanctioned.

Repayment period

The loan is repaid in maximum time period of 36 months.

Requirements

Lending is after assessing the credit worthiness on parameters such as group discipline, regularity of meetings, savings, rotation of funds, maintenance of books of accounts, group record keeping, repayment of loans etc.

Links

THRISSUR DISTRICT CO - OPERATIVE BANK

In 1954,when Cochin and Travancore was amalgamated, the then Travancore central Cooperative bank granted the status of apex bank and the Cochin central cooperative bank was affiliated as district cooperative bank...
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